Buy-to-let Mortgages

Investing in property

Buy-to-let mortgages made simple

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We can help you to arrange any type of buy-to-let mortgage, no matter how complex.

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Buy-to-let calculators

BTL Rental Income Ratio Calculator

Calculate a minimum income required for you buy to let property investment.

Stamp Duty Land Tax Calculator

Calculate how much you would pay in Stamp Duty Land Tax based on the property price.

Common questions about Buy To Let

Most frequent questions regarding a buy to let mortgage

Consumer buy-to-let mortgage is when a person becomes an ‘accidental landlord’. This is due to the circumstances, rather than intentional investment. This can happen in several situations: inheriting a property, moving abroad for work and leaving the house to be rent out, intending to sell but it is difficult to sell so the property is temporarily rent out. These mortgages are regulated mortgages (unlike investment buy-to-let mortgages) and fall under the same regulations as residential mortgages. If you think you fall in this category, give us a call and we can discuss your requirements.

A commercial buy-to-let mortgage is when a person buys a property as an investment, rather than a place to live. This type of mortgage is more likely to be an interest-only and will require a higher deposit, at least 20%. There is also a requirement for the rent to cover the mortgage payment and other fees associated with the property. Buy-to-let interest-only mortgage will not pay off the capital owned, and the interest will therefore be the same throughout the term (with decreasing capital repayment mortgage, the interest is calculated only on outstanding debt).

Rental cover ratio shows how much the rental income covers the mortgage payments. A rental cover ratio of 1.5 or 150% would cover the mortgage payment by 150%, for example if the mortgage interest payment is £1,000 and the rental income £1,500, the rental cover is 1.5.

An SPV, or a Special Purpose Vehicle, is a way of investing in property through a limited company. The company owns the properties and pays dividends to directors. The biggest advantage of holding properties in SPV is tax treatment. This allows a company to offset mortgage payments against income tax. It is also allowed to buy and sell shares in a SPV to raise capital, rather than sell the property itself.

An HMO, or Houses in Multiple Occuption is a property rented to at lease 3 tenants that share common areas, like kitchen and bathroom.

A large HMO is when at least 5 tenants occupy property.

Many councils introduced HMO licences, so please check with your council about the rules and obligation as a landlord.

Yes, it is vital, although not mandatory, you have a specialist landlord insurance to cover the unexpected costs of damage or legal costs, when you need to deal with nuisance tenants. 

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About us

Glade Financial is trading name of GEC London Ltd and Registered Individual (RI) of Charles Crown Group Ltd which is authorised and regulated by the Financial Conduct Authority, FCA registration number 77444

Contact us

Request call back anytime. We are boutique mortgage advice company based in South East London.

Legal

Your property may be repossessed if you do not keep up repayments on your mortgage

About us

Glade Financial is trading name of GEC London Ltd and Registered Individual (RI) of Charles Crown Group Ltd which is authorised and regulated by the Financial Conduct Authority, FCA registration number 774448.

Contact us

Request call back anytime. We are boutique mortgage advice company based in South East London.

Legal

Your property may be repossessed if you do not keep up repayments on your mortgage.

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